What Happens if I Admit Fault or Say “I’m Sorry”?
Even a simple apology after a car accident can be seen as an admission of fault. Statements like “I didn’t see them” or “It was my fault” can work against you. Insurance adjusters listen carefully for any language that shifts blame. Instead of apologizing or guessing, focus on the facts and avoid discussing responsibility until the situation is fully investigated.
Can I Offer My Opinion or Guess About What Happened?
Avoid making assumptions. Saying “I think I was going a little fast” or “Maybe the light was red” can create doubt and harm your credibility. If you are unsure about a detail, it is better to say you do not know. Guesses or estimations can be used to question your memory or accuracy later on.
Is It a Problem to Say I Feel Fine?
It can be. Right after an accident, adrenaline can mask pain, and symptoms may not appear until hours or days later. Saying “I’m fine” may lead the insurance company to downplay or deny any injury claim you make later. Instead, say that you plan to see a doctor or that it is too early to know the extent of your injuries.
Should I Go Into Detail About the Accident?
No. Keep your answers short and factual. Sharing extra information—such as being in a hurry or feeling distracted—can be twisted to shift fault. Limit your discussion to what, when, and where the accident happened, and provide the names of the people involved. Avoid going beyond what is asked.
Do I Have to Agree to a Recorded Statement?
You are not required to give a recorded statement, and doing so could hurt your case. Insurance adjusters may use your recorded words to find inconsistencies or pin you to a version of events. You can politely decline and let them know you will respond in writing or after speaking with a lawyer.
Is It Okay to Tell Them I Do Not Have a Lawyer?
Telling the insurance company that you do not have legal representation can lead them to push for a quick settlement or ask for more information than necessary. You do not have to say whether or not you have a lawyer. If you do have one, it is best to direct the insurance company to speak with them.
Should I Accept the First Settlement Offer?
No. The first offer is often lower than what your claim may be worth. Insurance companies may try to resolve the matter quickly and cheaply. Accepting too soon, especially before you have been fully examined by a doctor or understand all the damages, can result in giving up the right to more appropriate compensation. Always take time to evaluate any offer before making a decision.
Can I Mention Past Injuries or Accidents?
Avoid it. If you talk about prior accidents or medical conditions, the insurance company might argue your current pain is not from this crash. Unless you are asked for specific, relevant information, you should not bring up your medical history. Even when asked, it is best to answer only with help from your medical provider or legal counsel.
Should I Give Them the Names of Family, Friends, or Doctors?
No. Giving out the names of people who know about your condition can lead to unwanted investigations. Insurance companies might contact those individuals or dig into your personal life to look for information that can lower your claim value. Only share what is strictly necessary and keep your communications minimal and professional.
What Should I Say Instead?
Stick to the basics. Provide your name, contact information, the date and location of the accident, and the names of those involved. Let them know you will be seeing a doctor and that you will follow up later. Avoid speculating, admitting fault, or agreeing to a recorded statement. If you are unsure how to answer something, it is perfectly acceptable to say you are not ready to respond yet.
Why Does This Matter?
Everything you say can be used to shape the outcome of your claim. Insurance companies are not obligated to work in your favor, and they may use your own words against you. Being cautious, limiting what you share, and avoiding early statements about fault or injuries helps protect your rights.
A Prince George’s County Car Accident Lawyer at Maryland Accident Law Firm Provides Legal Guidance Following Car Crashes
After a car accident, it is easy to say the wrong thing without realizing the consequences. Avoid apologizing, speculating, minimizing injuries, or accepting early settlement offers. Do not give recorded statements or share more than necessary. If you have been in a crash and are unsure how to deal with the insurance company, a Prince George’s County car accident lawyer at Maryland Accident Law Firm can help protect your best interests. Call us today at 443-302-9810 or submit our online contact form for a free consultation. Located in Baltimore, Maryland, we proudly serve clients in the surrounding areas.